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Dedi Junaedi
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Lembaga Publikasi Ilmiah (LPI) Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913 Telp 021-8757150 elmal@journal-laaroiba.com
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El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Published by Institut Agama Islam Nasional Laa Roiba Bogor
ISSN : 26202956     EISSN : 27470490     DOI : https://doi.org/10.47467/elmal
Core Subject : Economy, Agriculture, Social, Engineering,
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Mulai 2011, jurnal ini terbit tiga kali setahun setiap Maret, Juli dan November. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat Ekonomi Syariah (MES) Bogor Raya bekerjasama dengan Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor, Institut Agama Islam (IAI) Sahid Bogor dan Institut Umum Quro Al-Islami (IUQI) Bogor. P-ISSN 2620-2956 E-ISSN 2747-0490. Volume 1 Nomor 1 2019 sampai Volume 5 Nomor 3 of 2024 terbit website dengan URL https://journal.laaroiba.ac.id/index.php/elmal. Selanjutnya, mulai Volume 5 Number 4 2024 sampai seterusnya terbit URL https://journal-laaroiba.com/ojs/index.php/elmal.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 1,825 Documents
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Analisi Komparatif Penerapan Fatwa Dewan Syariah Nasional (DSN) MUI Nomor 115/DSN-MUI/IX/2017 Tentang Akad Mudharabah Dengan Perjanjian Pembiayaan Mudharabah Pada Bank Syariah Indonesia Cabang Bima Nur Imamah; Muhammad Rasyad Al Fajar; Muhammad Zia Ulhaq
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The purpose of this study is to describe: First, How is the Mudharabah Financing Agreement Arranged in the Fatwa of the National Sharia Council (DSN) MUI Number 115/DSN-MUI/IX/2017 Concerning the Mudharabah Contract? Second, How is the Mudharabah Financing Agreement in Sharia Banking in Bima City? and third, How is the Comparison of the Mudharabah Agreement between the MUI Fatwa Number 115/DSN-MUI/IX/2017 Concerning the Mudharabah Contract with the Mudharabah Agreement at BSI? The approach method used in this study is a qualitative approach with a descriptive-analytical research type. While the Research Results obtained, Based on Law Number 21 of 2008, the mudharabah contract has strong legal legitimacy as a sharia-based financing that emphasizes justice, partnership, transparency, and prudence. This contract represents a trust relationship between shahibul maal and mudharib that is free from usury, gharar, and maysir. DSN-MUI Fatwa No. 115/DSN-MUI/IX/2017 emphasizes profit sharing based on a ratio, as well as regulating losses and guarantees to prevent moral hazard. Implementation at the BSI Bima City Branch has complied with the legal framework and fatwa, despite facing challenges in MSME literacy and management. BSI remains active in education, empowerment, and dispute resolution through deliberation.
Pengaruh Beban Kerja dan Stres Kerja Terhadap Produktivitas Kerja Melalui Work-Life Balance di PT XYZ Jon Edy; Soedjatmoko Soedjatmoko; Suripto Moh. Zulkifli; Suci Damayanti; Andi Rahman Hidayat
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study was conducted to examine the effects of workload and work-related stress on employee productivity, with work–life balance as an intervening variable, among Generation Z employees at PT XYZ. The study employed a quantitative associative approach, with data collected through a questionnaire distributed to 284 respondents selected using purposive sampling. Data analysis was performed using validity tests, reliability tests, classical assumption tests, multiple linear regression tests, and path analysis. The results indicate that work load and work-related stress have a significant partial effect on work–life balance. Workload has a negative effect on work productivity, while work-related stress does not significantly affect employee productivity. Meanwhile, work-life balance was found to have a positive effect on work productivity. In its role as an intervening variable, work–life balance does not significantly mediate the effect of work stress on productivity, but it partially mediates the relationship between work load and work productivity. These findings indicate that proper work load management and efforts to maintain work–life balance are key factors in enhancing the productivity of Generation Z employees within the workplace at PT XYZ.
Kesejahteraan Karyawan Generasi Z di Era Digital: Peran Strategis Dukungan Sosial Nita Findias; Nanda Adhi Purusa; Hertiana Ikasari; Febrianur Ibnu Fitroh Sukono Putra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to examine the impact of work-life balance, job autonomy, effective communication, and social support on employee well-being among Generation Z workers employed at digital agencies in Semarang City. The research background stems from the high workload in the digital creative industry, which can affect the psychological and emotional state of young employees. A quantitative approach is employed via survey method, with data collection conducted through questionnaires distributed to selected respondents based on specific criteria. The sample was determined using purposive sampling technique, yielding 123 respondents qualified for analysis. Data analysis was performed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to test the interrelationships among the research variables. The analysis findings reveal that all independent variables—namely work-life balance, job autonomy, effective communication, and social support—exert a positive and significant influence on employee well-being. Among these, social support emerges as the most dominant factor, underscoring the vital role of support from supervisors and colleagues in enhancing the well-being of Generation Z workers. These results also indicate that adequate provision of work resources can sustain and boost employee well-being even amid intense job demands, while offering practical implications for digital agency management and a foundation for future studies.
Pengaruh Mutasi dan Beban Kerja Terhadap Kinerja Karyawan BPJS Ketenagakerjaan Kantor Cabang Se-Jawa Barat Hasna Nuraini; Suroso Suroso; Dwi Epty Hidayaty
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The purpose of this study is to identify, analyze, and explain the effects of employee turnover and workload on the performance of employees at BPJS Ketenagakerjaan branch offices in the West Java region. This study employs a quantitative method using multiple linear regression analysis and SPSS 25 as the analytical tool. The target population consists of 318 BPJS Ketenagakerjaan employees throughout West Java, and the sample size is 76 respondents, calculated using the Slovin formula. The research findings indicate that employee turnover has a positive impact on employee performance with a calculated t-value of 4.515, which is significantly higher than the critical value of 1.993. Workload showed a positive effect on employee performance with a calculated t-value of 2.478, which was also significantly higher than the critical value of 1.993. Concurrently, employee turnover and workload exerted a significant influence on employee performance, as evidenced by a calculated F-value of 3.373, which was higher than the critical value of 3.12 at a significance level of 0.040. The coefficient of determination (R²) is 0.085, indicating that the combined effect of employee turnover and workload on employee performance accounts for 8.5%, while the remaining variation is attributed to dominant factors not included in this study.
Pengaruh Fomo, Loss Aversion dan Herding Behavior Terhadap Keputusan Berinvestasi Emas di Bank Syariah Indonesia Sella Wijayanti; Supriyanto Supriyanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.12027

Abstract

                  This study aims to determine the influence of Fomo, Loss Aversion and Herding Behavior on gold investment decisions at Bank Syariah Indonesia, both partially and simultaneously. This study focused on the millennial generation in Klaten Regency. This study used a quantitative method with 150 respondents who had invested in gold at Bank Syariah Indonesia. The data analysis technique used multiple linear regression. The results revealed that Fomo partially had no significant effect on investment decisions. Loss Aversion had a negative and significant effect on investment decisions, while herding behavior had a positive and significant effect on investment decisions. Simultaneously, these three variables significantly influenced gold investment decisions at Bank Syariah Indonesia. With a coefficient of determination (R2) of 0.123, indicating that 12.3% of the variation in investment decisions was explained by the research variables, but the remainder was influenced by other factors. This study explains the importance of psychological and social factors in behavioral finance theory in the investment decisions of the millennial generation in gold investment decisions.
Peran Environmental, Social and Governance dalam Memenuhi Prinsip Good Corporate Governance Melalui Transformasi Digital Pada Perusahaan Pertambangan Yang Terdaftar di Bursa Efek Indonesia Tsaltsa Puspita Sari; Vika Fitranita
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to analyze the effect of Environmental, Social and Governance (ESG) on the fulfillment of Good Corporate Governance (GCG) principles with Digital Transformation as a moderating variable in mining companies listed on the Indonesia Stock Exchange. This study employs a quantitative research method with a descriptive approach. The research sample consists of 26 mining companies selected through purposive sampling during the 2021–2023 period, resulting in 78 observations. Data were obtained from the companies' annual reports and sustainability reports. The data analysis techniques used include descriptive statistical analysis, classical assumption tests, simple linear regression, and Moderated Regression Analysis (MRA). The results indicate that ESG has a positive and significant effect on GCG principles, as evidenced by a t-value of 5.243 > t-table of 1.662 with a significance value of 0.000. This suggests that the higher the company's commitment to implementing ESG values, the better the company's ability to fulfill good corporate governance principles. However, the interaction test results reveal that Digital Transformation is unable to moderate the relationship between ESG and GCG principles, with an interaction variable significance value of 0.272 > 0.05. This condition indicates that digital transformation in Indonesian mining companies has not been fully integrated with ESG implementation in supporting the improvement of corporate governance quality.
Pengaruh Kualitas Pelayanan dan Kualitas Produk Terhadap Kepuasan Pelanggan di Alfamidi Tinambung Kabupaten Polewali Mandar Indah Sari; Erwin Erwin; Rahmat Ghazali
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.12053

Abstract

This study aims to analyze the effect of service quality and product quality on customer satisfaction at Alfamidi Tinambung, Polewali Mandar Regency. This study uses a quantitative approach with a causal-associative design. A sample of 100 respondents was determined using the Lemeshow formula with a purposive sampling technique. Data were collected through a 1–5 Likert scale questionnaire and analyzed using multiple linear regression with the help of SPSS. The results of the study indicate that partially, service quality (t-count = 5.700 > t-table = 1.984; sig. = 0.000) and product quality (t-count = 4.576 > t-table = 1.984; sig. = 0.000) have a positive and significant effect on customer satisfaction. Simultaneously, both variables also have a significant effect (F-count = 79.456 > F-table = 3.09; sig. = 0.000) with a contribution of 62.3% (R Square = 0.623). Thus, all three hypotheses are accepted. This study recommends improving employee responsiveness and product availability management.
Pengaruh Gaya Kepemimpinan dan Komunikasi Terhadap Kinerja Pegawai: Studi Kasus di Kantor Kecamatan Balanipa, Kabupaten Polewali Mandar Ela Fitri; Magfirah Magfirah; Nur Qamariah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.12054

Abstract

Objective – This study aims to analyze the influence of leadership style and communication on employee performance, both partially and simultaneously, at the Balanipa District Office, Polewali Mandar Regency. Method – The study used a quantitative descriptive approach with a saturated sampling technique. The sample consisted of 39 civil servants and honorary workers. Data were collected through a Likert scale questionnaire (1–5) and analyzed using multiple linear regression, classical assumption tests (normality, multicollinearity, heteroscedasticity), t-test, F-test, and coefficient of determination (R²) with the help of SPSS 26. Results – The results of the study showed that leadership style (t-count = 3.918; sig. = 0.000) and communication (t-count = 4.067; sig. = 0.000) each had a positive and significant partial effect on employee performance. Simultaneously, both variables also had a significant effect (F-count = 42.875 > F-table = 3.25; sig. = 0.000). The R² value of 0.704 indicates that 70.4% of the variance in employee performance is explained by leadership and communication styles, while 29.6% is influenced by other factors not examined. Novelty/Contribution – This study provides empirical evidence from the context of sub-district government in Eastern Indonesia, highlighting that participatory leadership and two-way communication are still underdeveloped yet critical aspects. Implications – Sub-district leaders need to involve subordinates more in decision-making, establish open feedback mechanisms, and conduct regular leadership and communication training to improve employee performance.
Analisis Prediksi Financial Distress Menggunakan Model Altman Z-Score Modifikasi dengan Pendekatan Benchmarking pada PT Gudang Garam Tbk Wilda Komala Viani; Ariarti Anomsari; Dwi Eko Waluyo; Yenny Ernitawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

The purpose of this study is to evaluate PT Gudang Garam Tbk's financial situation and use the Modified Altman Z-Score model to forecast future financial difficulties. In addition, this study conducts a benchmarking analysis with peer companies in the tobacco industry listed on the Indonesia Stock Exchange (IDX) to determine the company’s relative position. Using financial statement data from 2019 to 2025, this study uses a quantitative descriptive methodology. To strengthen the analysis, a difference test was conducted using the Wilcoxon Signed Rank Test due to the non-normal distribution of the data. The results indicate that PT Gudang Garam Tbk consistently remains in the “healthy” category, with Z-Score values above the safe threshold (>2.6), suggesting no indication of financial distress. The difference test results show no significant difference between PT Gudang Garam Tbk and PT HM Sampoerna Tbk as well as PT Wismilak Inti Makmur Tbk, while a significant difference is found when compared to PT Indonesian Tobacco Tbk. These findings suggest that PT Gudang Garam Tbk maintains a relatively stable and competitive financial position within the tobacco industry.
Analisis Pengaruh Pembiayaan Mikro Terhadap Peningkatan Pendapatan Pelaku Usaha UMKM di Bank Syariah Indonesia KCP Pandaan A Yani Pasuruan Wirda Isti’anatuz Zulfa; Sukamto Sukamto; Aslikhah Aslikhah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This study aims to analyze the effect of microfinance on increasing the income of MSMEs at Bank Syariah Indonesia (BSI) Pandaan A Yani Branch, Pasuruan. Islamic banking plays a crucial role as an intermediary institution that collects and distributes funds to the public, particularly in supporting the development of the Micro, Small, and Medium Enterprises (MSMEs) sector, which forms the backbone of the national economy. However, limited capital remains a major obstacle for MSMEs in developing their businesses. This study employed a quantitative approach using a survey method through the distribution of questionnaires to microfinance customers. The data obtained were then analyzed using simple linear regression to determine the relationship between microfinance and income growth. The analysis results indicate that microfinance has a positive and significant impact on increasing the income of MSMEs. This demonstrates that microfinance disbursed by Bank Syariah Indonesia can help entrepreneurs increase their business capacity and income. Therefore, microfinance serves not only as a source of funding but also as an instrument for improving the economic welfare of the community. This research is expected to contribute to the development of Islamic banking, particularly in optimizing microfinance for MSMEs.

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